By EasyHow

How to check for debts owed to banks

To clarify the amount owed, the easiest way to contact each Bank with which you are or previously were in a relationship: took out a loan or use other Bank services. Another option is to contact the National credit Bureau. You can do this using any of the Bank whose client are, or any credit Bureau.

How to check for debts owed to banks
How to check your credits through the Internet
How to check whether the debts
How to learn about taxes through the Internet

You will need

phone;
computer;
- access to the Internet;
- the passport.

Instruction

Contact all banks where either took out loans or having their account. Most often for answer a call in the call center where they will connect you with a competent specialist that will help you and verbally articulate the desired data. If for any purpose necessary the official response from the Bank, call the call center may not be enough. In this case, contact the Bank personally or send up a written request.

Contact the territorial Department of the Bank of Russia, if the Bank ignores your requests, including written. Describe in a letter the history of attempts to get the right information: when, how many times and in what form addressed to the Bank on this issue. Ask them to assist you in obtaining the necessary documents.

Make a request for a credit report in National Bureau of credit histories (NBCH). Request form for physical and legal persons you can download on the Bureau's website in the section which presents the borrowers.

Complete the request, sign and attest the signature of a notary.

Pay for the service if asked for it less than a year ago. Prices and details you can find on the website of NCB.

Send your request to the address: 121069, Moscow, Skatertny pereulok, 20/1, the National Bureau of credit histories.

Visit the post office where there is a Telegraph, if you don't want to spend money on notary services.

Compose a telegram, in which state your surname, name and patronymic, passport details and registration address. Don't forget to also include in its request a credit report.

Ask the postal workers to assure your signature on the telegram. To do this, show them your passport.

Send a telegram at the same address as the letter in step 6. Wait for an answer from the NCB.

Note

If you have problem debts, but they are not reflected in National Bureau of credit histories, that does not mean that your credit history is technically flawless. There are different interbank channels for the exchange of lists of bad debtors, and the presence of your data can be a sufficient basis for refusal in the next credit.

Useful advice

If you started to pester collectors or representatives of the Bank with whom you never had contact with the Bank on whose behalf are calling you or sending SMS to people. Perhaps your data out of the database of debtors in error, for example, your mobile phone previously belonged to their problem borrowers. Often this is enough to make the calls stopped. If that doesn't work, ask for help in territorial administration of Bank of Russia, and Roskomnadzor.